Photography insurance Insurance for
photographers and their precious gear Hey it’s Keagan with BriteBee.com where
we take the sting out of insurance searching If you like the sound of that
go ahead and give us a thumbs up down below You’ve been searching for
photography insurance and the search results are in. So you’re probably
awesome at photography or videography and completely judging my video right
now. But before you do I think I can help you with something you might not be as
good at. Insurance for a photographer or a videographer is not the first thing
you think about. But now that you are in business protecting your business baby
is what is on your mind First, you need to know photography insurance is not a
specific type of insurance. It’s a mix of different policies that are suggested
for a photographer’s business. When you speak to an insurance agent you will want to consider some different coverages. The first coverage you want to
consider is general liability insurance. As a photographer there’s nothing worse
than a customer getting injured on the property or somewhere you have taken
them. Photographer general liability coverage protects you from third-party
claims of bodily injury, and property damage. But be careful not to consider
this as commercial auto insurance, because it isn’t. But if you want to
learn more about commercial auto insurance for photographers, check out
our channel! The second coverage you want to consider is commercial property
insurance. This may or may not apply to you depending on where you do business. But don’t forget about gear insurance There is nothing worse than not having
your gear covered, and don’t assume that your home insurance covers your business gear. Side note: if you do business in your home, this is definitely a
conversation you want to have with a professional. Home-based businesses can
get a little sticky, so make sure to address it. Workers compensation is next.
This coverage is so important for you and your employees. If one of your
employees of your photography company is hurt and a work-related injury or
illness this coverage can include medical bills loss of wages and is
required in most states so make sure to check out your state’s insurance
regulations. Just a little hint though: If you don’t want to search for this an
insurance agent at BriteBee.com can answer all of these questions.
By the way, if you think that you’re going to get out of it because you have
contractors only, think again and talk this over with a professional.
Lastly, professional liability insurance for photo and video businesses is a must.
Sometimes this is called errors and omissions.
If your client claims you were negligent or some kind of error caused financial
harm, this can help you with lawyers fees, court costs, and judgments or settlements.
Now remember this is just the beginning of your insurance journey and based upon
your insurance needs you may need some additional coverage. And as a photo and
video owner you need to consider how your insurance contractors will be
covered as well. So how much does photography insurance cost? Well from our research it varies based upon the policy and many factors of the business. It
could range from a few hundred dollars to a couple thousand dollars when all of
these things are combined. Here’s a helpful tip: when you begin your search
for photography insurance, don’t forget to gather information on your business.
Below you’ll find information that will be helpful to know when speaking to a
photography insurance expert. Leave a comment below with your business name if
this was helpful, but don’t just take our word for it. It’s important to speak with
a licensed insurance agent and expert on BriteBee.com to find out what photography
insurance is best for you. Check out our channel for other helpful tips on
business insurance, and in your search with BriteBee.com today. Say Cheese!